A year after the Federal Reserve enacted new rules to rein in abusive bank overdraft practices, fees remain high and some institutions actually have slapped on additional penalties, according to a new survey by the Consumer Federation of America.

Moody's is reviewing 10 large regional banks for possible downgrades because it thinks financial reform means total government support is now less likely. That's setting off a debate about whether those banks will actually take a hit to profitability.

U.S. Bancorp reported fourth quarter profits 82% better than last year powered by record revenue growth of $4.4 billion for the quarter. During its earnings call executives were upbeat about its ability to generate strength from its loan portfolio during the economic downturn.